Good evening, Thando.
87/100
TAX HEALTH
Tax Health Score · 2026
You are ahead of 92% of comparable profiles.
Your compliance, deduction utilisation, and provisional payments are tracking ahead of typical professionals in your income bracket. Two material opportunities remain — both reviewed below.
Compliance
94/100
Deductions
81/100
Optimisation
86/100
Estimated Refund
94% CONF.
R24,580.00
R 4,120 vs LY
· 2025 was R 20,460
Audit Risk
LOW
3
%
0%25%50%75%100%
2026 Filing Workflow
Optimisation phase · in progress
Docs
Review
3
Optimise
4
Submit
5
Assess
Effective Tax Rate · 5-Year
27.4% · below sector median
2022 — 2026
Your effective rate
Sector median (R900k—R1.2M bracket)
AI Insights
3 opportunities · reviewed by Stance Advisor
Increase RA contribution to capture full 27.5% deduction
You are R 18,400 below your annual cap. Topping up before 28 February realises a deduction at your marginal rate of 41%.
+R 6,716
Medical aid tax credit underclaimed in 2024 — objection viable
Stance has prepared a draft objection. Dependants for 2024 were under-reported on the IRP6. Filing window closes 14 August 2026.
+R 3,240
Home office deduction qualifies — conditions met
Exclusive use, regularly used, and equipped for trade. Stance has calculated apportioned rent, electricity, and consumables on a square-metre basis.
+R 8,920
Recent Documents
VAULT
2025 Employer Certificate
Allan Gray RA Certificate
Discovery Health 2024
FNB Statement Q4
N
K
M
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Recent Activity
FULL LOG
Stance Advisor identified R 8,920 home office deduction based on uploaded utility statements
14:32
FNB statement Q4 2025 ingested — 142 transactions categorised
14:18
Objection draft prepared for 2024 medical aid credit — awaiting your review
13:51
Tax Health Score improved +3 points after RA optimisation modelling
YESTERDAY
IRP5 2025 verified against SARS pre-population data
MAR 22